{"uin":"IRDAN108MP0001V01202021","name":"Rural Package Policy- Retail Micro Insurance Product","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021","insurer":{"slug":"tata-aig-general-insurance","name":"Tata AIG General Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aig-general-insurance"},"line":"general","category":"rural","category_name":"Crop, cattle and rural","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-11-29","withdrawn_on":null,"summary":"Rural Package Policy is a general insurance package with sections for building and contents, burglary, household appliances, pedal cycle, animal driven cart, personal accident, agricultural pump set, cattle and shop. Claims are intimated within 7 days for most sections, with admitted claims paid within 30 days after necessary documents and information are submitted.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:26:45.010617+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plan variants are printed; the wording is organised into coverage sections.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy period is defined by the effective date and expiry date shown in the Schedule, but no fixed policy term is printed.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For sections i, ii, iii, iv, v, vii, viii and ix, inform the company within 7 days from the occurrence of the loss or event. For section vi, written notice must be given within 7 days after an actual or potential loss begins or as soon as reasonably possible and in any event not later than 30 Days; cattle illness, accident, injury or death must be notified immediately, with proof within 7 days after death.","display":"Within 7 days for most sections; section VI within 7 days or as soon as reasonably possible, not later than 30 Days; cattle death immediately and proof within 7 days","note":null,"quote":"Inform the company immediately through telephone/fax/email/SMS/ registered post within 7 days from the occurrence of the loss or the event giving rise to claim. ... written notice of claim must be given by You to Us within 7 days after an actual or potential loss begins or as soon as reasonably possible and in any event not later than 30 Days after an actual or potential loss begins. ... The Insured shall give immediate notice in writing to the Company of any illness or lameness or accident or injury to any animal hereby insured. ... On the death of any animal hereby insured the Insured shall give immediate notice thereof to the company ... The Insured shall also within 7 days furnish to the company such information and satisfactory proof of death, identity and value of the animal as the company may require.","sources":[{"clause":"26(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-26-b-2"},{"clause":"26(a)","heading":"NOTICE OF CLAIM/LOSS","page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-26-a-4"},{"clause":"2.3","heading":"The Insured shall give immediate notice in","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-2-3-2"},{"clause":"2.7","heading":"On the death of any animal hereby insured","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-2-7-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["all relevant information, documentation and details of items lost, damaged or destroyed along with their values","written complaint, the First Information Report and/or Final Report","inventory of damaged or stolen property detailing the quantity, age, description, actual market value and amount of loss claimed","writ, summons, or other legal process","names and addresses of any known persons injured and any available witnesses","Claim form","Attending Doctor's Report","Original Disability Certificate from the Doctor","Complete medical records including Investigation/ Lab reports (X-Ray, MRI etc.)","FIR, Police report, where applicable","KYC Documents","Original Death Certificate","Original/ Attested Post Mortem Report, if conducted","Attested copy of FIR, Spot Panchanama & Police Inquest report, where applicable.","Complete medical records including Death Summary, in case of hospitalization","proof of death, identity and value of the animal"],"display":"Relevant information and item details; police complaint/FIR/final report and inventory for burglary or malicious damage; legal process documents for liability; claim form, medical/death documents and KYC for section VI; proof of death, identity and value for cattle","note":null,"quote":"provide the company with all relevant information, documentation and details of items lost, damaged or destroyed along with their values ... immediately lodge a written complaint with the police listing out the items with values that were lost, damaged or destroyed and that the Insured intend to claim for and forward a copy of that written complaint, the First Information Report and/or Final Report to the company ... within 7 days supply the company with an inventory of damaged or stolen property detailing the quantity, age, description, actual market value and amount of loss claimed for in respect of each item ... immediately send the company any writ, summons, or other legal process issued or commenced against the Insured ... provide the company with the names and addresses of any known persons injured and any available witnesses ... Disability Claims | Death Claims\nunless the extent regulation requires\n1. Claim form 2. Attending Doctor's Report 3. Original Disability Certificate from the Doctor 4. Complete medical records including Investigation/ Lab reports (X-Ray, MRI etc.) 5. FIR, Police report, where applicable 6. KYC Documents | 1. Claim form 2. Original Death Certificate 3. Original/ Attested Post Mortem Report, if conducted 4. Attested copy of FIR, Spot Panchanama & Police Inquest report, where applicable. 5. Complete medical records including Death Summary, in case of hospitalization 6. KYC Documents ... The Insured shall also within 7 days furnish to the company such information and satisfactory proof of death, identity and value of the animal as the company may require.","sources":[{"clause":"26(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-26-c"},{"clause":"26(e)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-26-e"},{"clause":"26(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-26-b-3"},{"clause":"26(e)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-26-e-2"},{"clause":"26(e)","heading":"TIME OF PAYMENT OF CLAIM","page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-26-e-3"},{"clause":"2.7","heading":"On the death of any animal hereby insured","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-2-7-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall make payment of an admitted claim within 30 days of submission of all necessary documents / information and any other additional information required for settlement. For delay, the company will pay interest at the prevalent bank rate plus 2 % at the beginning of the financial year in which the claim is settled.","display":"Within 30 days of submission of all necessary documents / information and additional information; delay interest at bank rate plus 2 %","note":null,"quote":"The Company shall make the payment of claim that has been admitted as payable under the Policy terms and conditions, within 30 days of submission of all necessary documents / information and any other additional information required for the settlement of the claim. ... In case of any delay in payment as stated herein, company will pay the insured interest at the prevalent bank rate plus 2 % at the beginning of the financial year in which claim is settled.","sources":[{"clause":"26(f)","heading":"PAYMENT OF CLAIM","page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-26-f-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["war, invasion, act of foreign enemy hostilities or war like operations","ionizing radiations from or contamination by radioactivity","act of terrorism","corrosion, rust, extremes or changes in temperature, dampness, dryness, wet or dry rot","Detention, confiscation, attachment, destruction, or requisition of the insured property by any public authority or other judicial process.","Any loss or damage caused by any dishonest or criminal act by or at the direction of Insured or any person acting on behalf of Insured","Any loss or damage which occurred prior to the Policy period.","Any loss or damage caused by wear and tear, gradual deterioration, inherent vice, latent defect","Any loss or damage deliberately caused by Insured or any one acting on behalf of Insured","Any consequential loss or legal liability of any kind.","Loss or damage by burglary and/or housebreaking or theft","Loss or damage to money, securities, stamps, bullion, livestock, motor vehicles and pedal cycle","Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness","All the claims received without the intact Ear tag with Ear-piece (i.e., both the Ear tag pieces must be in tagged and intact condition) or micro chip."],"display":"War and nuclear risks, terrorism, gradual deterioration and wear and tear, confiscation, dishonest or deliberate acts, prior losses, consequential loss, selected section-specific exclusions including burglary/theft under Section I, money and securities, suicide/self-inflicted injury under PA, and cattle claims without intact ear tag or microchip","note":"The list combines general exclusions with important section-specific exclusions.","quote":"war, invasion, act of foreign enemy hostilities or war like operations ... ionizing radiations from or contamination by radioactivity ... This Policy excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism ... Loss or damage caused by corrosion, rust, extremes or changes in temperature, dampness, dryness, wet or dry rot ... Detention, confiscation, attachment, destruction, or requisition of the insured property by any public authority or other judicial process. ... Any loss or damage caused by any dishonest or criminal act by or at the direction of Insured or any person acting on behalf of Insured ... Any loss or damage which occurred prior to the Policy period. ... Any loss or damage caused by wear and tear, gradual deterioration, inherent vice, latent defect ... Any loss or damage deliberately caused by Insured or any one acting on behalf of Insured ... Any consequential loss or legal liability of any kind. ... Loss or damage by burglary and/or housebreaking or theft ... Loss or damage to money, securities, stamps, bullion, livestock, motor vehicles and pedal cycle ... Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness ... All the claims received without the intact\nEar tag with Ear-piece (i.e., both the Ear tag pieces must be in tagged and intact condition) or micro chip.","sources":[{"clause":"26(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-26-a-5"},{"clause":"26(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-26-b-5"},{"clause":"26(d)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-26-d-4"},{"clause":"Section I(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-i-a-2"},{"clause":"Section I(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-i-c-2"},{"clause":"3","heading":"If such Bodily Injury is the immediate sole","page":17,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-3-2"},{"clause":"1.8","heading":"All the claims received without the intact","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-1-8"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First complain through the 24X7 toll free helpline, customersupport@tataaig.com, Customer Support at Tata AIG, or the servicing branch. If unresolved, contact the servicing branch Nodal Officer, then manager.customersupport@tataaig.com, then Head-Customer Services at head.customerservices@tataaig.com before approaching the Insurance Ombudsman.","display":"Call 1800 266 7780, email customersupport@tataaig.com, write to Customer Support or visit the servicing branch; then Nodal Officer, manager.customersupport@tataaig.com, Head-Customer Services, and Ombudsman after 30 days if unsatisfied","note":null,"quote":"Call us 24X7 toll free helpline 1800 266 7780 Email us at customersupport@tataaig.com Write to us at : Customer Support, Tata AIG General Insurance Company Limited A-501 Building No. 4 IT Infinity Park, Dindoshi, Malad (E), Mumbai - 400097 Visit the Servicing Branch mentioned in the policy document ... Please visit our website at www.tataaig.com to know the contact details of the Nodal Officer for your servicing branch. ... For lack of a response or if the resolution still does not meet your expectations, you can write to manager.customersupport@tataaig.com. ... For lack of a response or if the resolution still does not meet your expectations, you can write to the Head-Customer Services at head. customerservices@tataaig.com. ... Within 30 days of lodging a complaint with us, if you do not get a satisfactory response from us and you wish to pursue other avenues for redressal of grievances, you may approach Insurance Ombudsman","sources":[{"clause":null,"heading":"Grievance Lodgment Stage","page":25,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-grievance-lodgment-stage"},{"clause":null,"heading":"Nodal Officer","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-nodal-officer"},{"clause":null,"heading":"Escalation Level 1","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-escalation-level-1"},{"clause":null,"heading":"Escalation Level 2","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-escalation-level-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire, lightning, explosion of gas in domestic appliances","Aircrafts, other aerial or space devices or articles dropped there from","Riot, Strike or malicious damage","Flood, inundation, storm, cyclone","Impact damage by any Rail/ Road vehicle or animal by direct contact not belonging to insured and his family","Earthquake fire and/or shock","Bursting and overflowing of water tanks, apparatus or pipe","Subsidence and landslide (including rockslide)","Burglary","unforeseen and sudden mechanical or electrical breakdown","Accidental external means","Accidental death or Bodily Injury to another","Bodily Injury anywhere in the world solely and directly caused by an Accident","Fire and lightning","Mechanical & Electrical breakdown","death from Accident, Diseases, Surgical Operations, Riot and Strike risks or transit up to 80 Km"],"display":"Package sections cover fire and allied perils, burglary, mechanical or electrical breakdown, pedal cycle and cart accidental damage/liability, personal accident, agricultural pump set perils, cattle death risks and shop perils","note":"Different perils apply to different coverage sections.","quote":"Fire, lightning, explosion of gas in domestic appliances ... Aircrafts, other aerial or space devices or articles dropped there from ... Riot, Strike or malicious damage ... Flood, inundation, storm, cyclone ... Impact damage by any Rail/ Road vehicle or animal by direct contact not belonging to insured and his family ... Earthquake fire and/or shock ... Bursting and overflowing of water tanks, apparatus or pipe ... Subsidence and landslide (including rockslide) ... The company will indemnify the insured in respect of loss or damage to the contents when kept in the insured premises by Burglary. ... unforeseen and sudden mechanical or electrical breakdown ... Accidental external means ... Accidental death or Bodily Injury to another ... Bodily Injury anywhere in the world solely and directly caused by an Accident ... Fire and lightning ... Mechanical & Electrical breakdown ... The Company will pay if any animal described in the schedule and belonging to the Insured shall die within the Geographical area, specified in the schedule from (a) Accident or (b) Diseases contracted or occurring during the period of this policy or (c) Surgical Operations or (d) Riot and Strike risks or (e) transit up to 80 Km","sources":[{"clause":"Section I(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-i-a"},{"clause":"Section I(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-i-b"},{"clause":"Section I(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-i-c"},{"clause":"Section I(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-i-d"},{"clause":"Section I(e)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-i-e"},{"clause":"Section I(f)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-i-f"},{"clause":"Section I(g)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-i-g"},{"clause":"Section I(h)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-i-h"},{"clause":null,"heading":"Burglary","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-burglary"},{"clause":null,"heading":"Household Electrical and Electronic Appliances","page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-household-electrical-and-electronic-appliances"},{"clause":null,"heading":"Pedal cycle","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-pedal-cycle"},{"clause":null,"heading":"Rural Personal Accident","page":17,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-rural-personal-accident"},{"clause":"1","heading":"Fire and lightning","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-1-6"},{"clause":"3","heading":"Mechanical & Electrical breakdown","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-3-3"},{"clause":"Section VIII","heading":null,"page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-viii"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The insured must first pay the excess shown in the schedule or included in the policy. Specific section excesses include 5% for certain Section I and Section IX claims, first `100/- for burglary, 1% of sum insured subject to minimum INR 250/- for household electrical and electronic appliances, first `50/- for pedal cycle, first `100/- for animal driven cart, and 1% of sum insured subject to minimum INR 500/- for agricultural pump set.","display":"Varies by section; excess shown in the schedule or policy, including 5%, `100/-, 1% subject to INR 250/-, `50/-, `100/-, and 1% subject to INR 500/-","note":"Section VI personal accident does not print an excess in the cited wording; other sections may also refer to the Schedule.","quote":"If the company agrees to pay a claim under the policy Insured must first pay the excess shown on the schedule or included in the policy. ... 5% of each and every claim resulting from the operation of lightning, storm, flood, inundation, cyclone, subsidence, landslide including rockslide covered under the policy ... First `100/- of each and every claim or as stated in the Schedule as the Excess or Deductible ... An excess equal to 1% of the sum insured, subject to a minimum of INR 250/- against each and every claim or as stated in the Schedule as the Excess or Deductible ... The first `50/- of each and every claim related to loss or damage to pedal cycle. ... First `100/- in respect of any loss or damage to the cart insured under this policy ... An excess equal to 1% of the sum insured, subject to a minimum of INR 500/- against each and every claim or as stated in the Schedule as the Excess or Deductible ... 5% of each and every claim resulting from the operation of lightning, storm, flood, inundation, cyclone, subsidence, landslide including rockslide covered under the policy","sources":[{"clause":"26(f)","heading":"PAYMENT OF CLAIM","page":8,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-26-f-3"},{"clause":"Section I(e)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-i-e-2"},{"clause":"Section II(g)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-ii-g"},{"clause":null,"heading":"Household Electrical and Electronic Appliances","page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-household-electrical-and-electronic-appliances"},{"clause":null,"heading":"Pedal cycle","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-pedal-cycle"},{"clause":null,"heading":"Animal Driven Cart","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-animal-driven-cart"},{"clause":null,"heading":"Specific Exclusion","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-specific-exclusion"},{"clause":"Section IX(e)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-ix-e-2"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Territory varies by section. Rural Personal Accident covers bodily injury anywhere in the world; pedal cycle and animal driven cart exclude accidents, death, bodily injury, loss or damage caused outside India; cattle cover is within the geographical area specified in the schedule; property sections apply when the property is kept in the insured premises.","display":"Varies: PA anywhere in the world; pedal cycle and animal cart exclude outside India; cattle is within schedule geography; property is at insured premises","note":"The wording does not print one common territory for all sections.","quote":"Bodily Injury anywhere in the world solely and directly caused by an Accident ... Any Accident, death, Bodily Injury loss or damage caused whilst the pedal cycle is being used for hire or reward, racing or pace making, or outside India. ... Any accident, death, bodily injury, loss or damage caused whilst the animal cart is being used for hire or reward, racing or pace making, or outside India. ... shall die within the Geographical area, specified in the schedule ... when kept in the insured premises","sources":[{"clause":null,"heading":"Rural Personal Accident","page":17,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-rural-personal-accident"},{"clause":null,"heading":"Pedal cycle","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-pedal-cycle"},{"clause":null,"heading":"Animal Driven Cart","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-animal-driven-cart"},{"clause":"Section VIII","heading":null,"page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-viii"},{"clause":"Section I","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023#c-section-i"}],"law":[]},{"key":"subject_covered","label":"Crop or animal covered","section":"Cover","meaning":"What is insured.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claim_trigger","label":"Claim trigger","section":"Claims","meaning":"What has to happen for a payout: yield loss, weather index, death of animal.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Rural Package Policy - Retail Micro Insurance Product","pages":33,"fetched_at":"2026-10-17 20:21:52+00","source_url":"https://www.tataaig.com/s3/Rural_Package_Policy_b921627794.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/17126"},{"kind":"wording","label":"Rural Package Policy - Retail - Micro Insurance Product (IRDAI copy)","pages":33,"fetched_at":"2026-10-20 00:26:10+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN108MP0002V01202122.pdf/508425ac-d999-023e-4b82-1e1757a1305c?version=1.1&t=1668844621089&download=true","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/23471"},{"kind":"wording","label":"Rural Package Policy- Retail Micro Insurance Product (IRDAI copy)","pages":29,"fetched_at":"2026-10-20 01:41:11+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN108MP0001V01202021_GEN4281.pdf/ff56176a-f4f7-fc9e-6464-d158411e8db4?version=1.1&t=1668768902670&download=true","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021/document/27023"}],"versions":[{"uin":"IRDAN108MP0002V01202122","version":null,"approved_on":null},{"uin":"IRDAN108MP0001V01202021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims process","url":"https://www.tataaig.com/claims-process","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal policy","url":"https://www.tataaig.com/grievance-redressal-policy","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Rural Package Policy- Retail Micro Insurance Product (UIN IRDAN108MP0001V01202021), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/rural-package-policy-retail-micro-insurance-product-irdan108mp0001v01202021"}